Bem Groep
ActiveSummary
The computed 12-month bankruptcy probability of Bem Groep is 2.0% (moderate). The 2024 annual accounts show equity of €147k and a net result of €51k. Its solvency ranks better than 26% of 9624 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability77▼-16
Solvency44▼-1
Growth52
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity tight (current ratio 1.19 against 1.24 in 2023; short-term debt: 81.3% and cash: 6.7% of total assets), and 81.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
91 d late
2023
210 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€147k▲ 52.4%
2023 · €97k
2023: €97k
2024: €147k▲ +52.4% vs 2023
2023 → 2024
Total assets
€789k▲ 62.8%
2023 · €485k
2023: €485k
2024: €789k▲ +62.8% vs 2023
2023 → 2024
Net result
€51k▼ 46.2%
2023 · €94k
2023: €94k
2024: €51k▼ -46.2% vs 2023
2023 → 2024
Working capital
€122k▲ 30.3%
2023 · €94k
2023: €94k
2024: €122k▲ +30.3% vs 2023
2023 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€97k-€147k▲ 52.4%
2023: €97k
2024: €147k▲ +52.4% vs 2023
Operating result€122k-€65k▼ 46.8%
2023: €122k
2024: €65k▼ -46.8% vs 2023
Net result€94k-€51k▼ 46.2%
2023: €94k
2024: €51k▼ -46.2% vs 2023
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 47% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €789k
Fixed assets
€25k ▲ 776%
Current assets
€764k ▲ 58.5%
Equity and liabilities €789k
Equity
€147k ▲ 52.4%
Debt
€642k ▲ 65.4%
Debt's share of the balance-sheet total rises from 80.1% to 81.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▼
2023 · €122k
Cash flow
€57k▼
2023 · €94k
Current ratio
1.19▼
2023 · 1.24
Quick ratio
0.41▲
2023 · 0.40
Debt to equity
4.36▲
2023 · 4.01
ROE
34.4%▼
2023 · 97.4%
ROA
6.4%▼
2023 · 19.4%
Interest coverage
49.12▲
2023 · 48.31
Debt ≤ 1 year
€642k▲
2023 · €388k
Income taxes
€13k▼
2023 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€485k€789k▲
Fixed assets21/28€3k€25k▲
Tangible fixed assets22/27€707€23k▲
Plant, machinery and equipment23€707€20k▲
Furniture and vehicles24-€3k
Financial fixed assets28€2k€2k=
Current assets29/58€482k€764k▲
Stocks and contracts in progress3€325k€502k▲
Stocks30/36€325k€502k▲
Amounts receivable within one year40/41€84k€209k▲
Trade receivables40€79k€197k▲
Other amounts receivable41€5k€13k▲
Cash at bank and in hand54/58€73k€53k▼
Equity and liabilities
Total equity and liabilities10/49€485k€789k▲
Equity10/15€97k€147k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€94k€145k▲
Amounts payable17/49€388k€642k▲
Amounts payable within one year42/48€388k€642k▲
Trade debts44€42k€13k▼
Suppliers440/4€42k€13k▼
Advances received on contracts in progress46-€97k
Taxes, remuneration and social security45€49k€80k▲
Taxes450/3€45k€80k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€298k€452k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62€6k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€125k€75k▼
Operating profit (loss)9901€122k€65k▼
Financial income75/76B€232€2▼
Recurring financial income75€232€2▼
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€120k€63k▼
Income taxes67/77€26k€13k▼
Profit (loss) for the period9904€94k€51k▼
Profit (loss) for the period to be appropriated9905€94k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€94k€145k▲
Profit (loss) brought forward from the previous period14P-€94k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €62 | €6k | ▲ 9,877% |
| Other operating charges640/8 | €3k | €4k | ▲ 46.6% |
| Gross operating margin9900 | €125k | €75k | ▼ 39.7% |
| Operating profit (loss)9901 | €122k | €65k | ▼ 46.8% |
| Financial income75/76B | €232 | €2 | ▼ 99.3% |
| Recurring financial income75 | €232 | €2 | ▼ 99.3% |
| Financial charges65/66B | €3k | €1k | ▼ 42.8% |
| Recurring financial charges65 | €3k | €1k | ▼ 42.8% |
| Profit (loss) for the period before taxes9903 | €120k | €63k | ▼ 47.0% |
| Income taxes67/77 | €26k | €13k | ▼ 49.9% |
| Profit (loss) for the period9904 | €94k | €51k | ▼ 46.2% |
| Profit (loss) for the period to be appropriated9905 | €94k | €51k | ▼ 46.2% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €485k | €789k | ▲ 62.8% |
| Fixed assets21/28 | €3k | €25k | ▲ 776% |
| Tangible fixed assets22/27 | €707 | €23k | ▲ 3,146% |
| Plant, machinery and equipment23 | €707 | €20k | ▲ 2,751% |
| Furniture and vehicles24 | - | €3k | - |
| Financial fixed assets28 | €2k | €2k | = |
| Current assets29/58 | €482k | €764k | ▲ 58.5% |
| Stocks and contracts in progress3 | €325k | €502k | ▲ 54.3% |
| Stocks30/36 | €325k | €502k | ▲ 54.3% |
| Amounts receivable within one year40/41 | €84k | €209k | ▲ 149% |
| Trade receivables40 | €79k | €197k | ▲ 149% |
| Other amounts receivable41 | €5k | €13k | ▲ 150% |
| Cash at bank and in hand54/58 | €73k | €53k | ▼ 27.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €485k | €789k | ▲ 62.8% |
| Equity10/15 | €97k | €147k | ▲ 52.4% |
| Contributions10/11 | €3k | €3k | = |
| Profit (loss) carried forward14 | €94k | €145k | ▲ 53.8% |
| Amounts payable17/49 | €388k | €642k | ▲ 65.4% |
| Amounts payable within one year42/48 | €388k | €642k | ▲ 65.4% |
| Trade debts44 | €42k | €13k | ▼ 68.7% |
| Suppliers440/4 | €42k | €13k | ▼ 68.7% |
| Advances received on contracts in progress46 | - | €97k | - |
| Taxes, remuneration and social security45 | €49k | €80k | ▲ 64.5% |
| Taxes450/3 | €45k | €80k | ▲ 75.7% |
| Remuneration and social security454/9 | €3k | €0 | ▼ 100% |
| Other amounts payable47/48 | €298k | €452k | ▲ 51.7% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €94k | €51k | ▼ 46.2% |
| + Depreciation and write-downs630 | €62 | €6k | ▲ 9,877% |
| Operating cash flow (approximation) | €94k | €57k | ▼ 39.7% |
| Investment in fixed assets (approximation) | - | €-28k | - |
| Change in cash | - | €-20k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 91 days late
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 210 days late
2024
31-12
Financial
Equity above €100kEq €147k ▲52.4%
2 profitable years in a row build equity to €147k.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lokeren · 1 establishment unit since 2022
Ground area
844 m²
Building footprint
142 m²
Volume, LiDAR
885 m³
Parcel 46382B0544/00R000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bem Groep
since 20222.330.864.567
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46382B0544/00R000 | Flanders | 844 m² | 1 · 142 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,667 companies in sector 47811 we hold annual accounts for 5,220. 3,711 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
43350Other building finishing work
47820Retail sale of motor vehicle parts and accessories
95314Bodywork repair (including spraying and painting)
Scores and ratios are computed by Checked and are not a credit decision.